Mortgage Lenders and Brokers in Sugar Mountain, North Carolina
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Sugar Mountain, North Carolina mortgage lenders include Bank of TennesseeBank of Tennessee3828 Nc Highway 105 S, Banner Elk, NC 28604A+5.0 ★Texas Ratio: 4.09%, United Community BankUnited Community Bank732 Main St, Andrews, NC 28901A+5.0 ★Texas Ratio: 2.97%, State Employees' Credit UnionState Employees' Credit Union1125 ACADEMY ST N, AHOSKIE, NC 27910A-5.0 ★Texas Ratio: 14.13%, Bank of America NABank of America NA5496 Apex Peakway, Apex, NC 27502A+5.0 ★Texas Ratio: 4.14%, Truist BankTruist Bank1803 N Sandhills Blvd, Aberdeen, NC 28315A+5.0 ★Texas Ratio: 2.87%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust351 N 1st St, Albemarle, NC 28001A5.0 ★Texas Ratio: 7.72%, Wells Fargo Bank NAWells Fargo Bank NA5306 Us Highway 158, Advance, NC 27006A+5.0 ★Texas Ratio: 5.36%, First Horizon BankFirst Horizon Bank5361 Us Highway 158, Advance, NC 27006A+5.0 ★Texas Ratio: 5.76%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1007 Beaver Creek Commons Dr, Apex, NC 27502A+5.0 ★Texas Ratio: 3.68%, and New Peoples Bank, IncNew Peoples Bank, Inc230 A Wilson Drive, Boone, NC 28607A+5.0 ★Texas Ratio: 3.62%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Sugar Mountain, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sugar Mountain are listed first, then lenders elsewhere in North Carolina, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Sugar Mountain, North Carolina
Market share is the lender's share of all home loans closed in Sugar Mountain, North Carolina. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Sugar Mountain 3828 Nc Highway 105 S, Banner Elk, NC 28604 A+5.0 ★Texas Ratio: 4.09% |
Conventional, FHA | 12 | 7.8% | 93.3% | $223,333 | View |
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732 Main St, Andrews, NC 28901 A+5.0 ★Texas Ratio: 2.97% |
Conventional, FHA, Jumbo, HELOC | 14 +12 HELOCs |
9.1% | 82.4% | $570,000 | View |
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1125 ACADEMY ST N, AHOSKIE, NC 27910 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 11 +6 HELOCs |
7.1% | 78.6% | $319,545 | View |
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5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 6 +1 HELOCs |
3.9% | 100% | $883,333 | View |
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★ 1 stars, 1 review 1803 N Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 2.87% |
Conventional, Jumbo, HELOC | 5 +3 HELOCs |
3.2% | 100% | $1,237,000 | View |
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351 N 1st St, Albemarle, NC 28001 A5.0 ★Texas Ratio: 7.72% |
Conventional, HELOC | 3 +7 HELOCs |
1.9% | 100% | $228,333 | View |
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5306 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 3 | 1.9% | 60% | $651,666 | View |
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★ 5 stars, 1 review 5361 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.76% |
Conventional, Jumbo, HELOC | 2 +2 HELOCs |
1.3% | 100% | $720,000 | View |
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1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
1.3% | 100% | $1,535,000 | View |
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230 A Wilson Drive, Boone, NC 28607 A+5.0 ★Texas Ratio: 3.62% |
Conventional | 2 | 1.3% | 100% | $370,000 | View |
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303 S Salem St, Apex, NC 27502 A+5.0 ★Texas Ratio: 1.62% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.6% | 50% | $855,000 | View |
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1045 Providence Rd, Charlotte, NC 28207 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 0.6% | 100% | $755,000 | View |
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1641 Blowing Rock Road, Boone, NC 28607 A+5.0 ★Texas Ratio: 3.31% |
Conventional | 1 | 0.6% | 100% | $55,000 | View |
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Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34% |
Conventional | 1 | 0.6% | 100% | $245,000 | |
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106 Corporate Park Dr, Mooresville, NC 28117 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.6% | 100% | $335,000 | View |
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115 Main St E, Banner Elk, NC 28604 A+5.0 ★Texas Ratio: 3.36% |
Conventional | 1 | 0.6% | 50% | $505,000 | View |
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1121 Moncure Place, Apex, NC 27523 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.6% | 100% | $225,000 | View |
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506 Main St E, Ahoskie, NC 27910 A+5.0 ★Texas Ratio: 1.13% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
American Security Mortgage Cor
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Conventional | 1 | 0.6% | 100% | $295,000 | |
Premier Lending Inc.
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Conventional | 1 | 0.6% | 100% | $655,000 | |
Goprime Mortgage, Inc.
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Conventional | 1 | 0.6% | 100% | $125,000 | |
Rocket Mortgage
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Conventional, Jumbo | 14 | 9.1% | 93.8% | $352,857 | |
Atlantic Bay Mortgage Group
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Conventional, FHA | 8 | 5.2% | 100% | $321,250 | |
Movement Mortgage, LLC
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Conventional, VA | 7 | 4.5% | 100% | $247,857 | |
Fairway Independent Mort Corp
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Conventional | 4 | 2.6% | 100% | $250,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional, Jumbo | 3 | 1.9% | 100% | $1,048,333 | View |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 3 | 1.9% | 75% | $2,248,333 | View |
United Wholesale Mortgage
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Conventional, VA | 2 | 1.3% | 66.7% | $295,000 | |
Guaranteed Rate, Inc.
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Conventional | 2 | 1.3% | 100% | $360,000 | |
Guild Mortgage Company
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Conventional | 2 | 1.3% | 66.7% | $370,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 2 | 1.3% | 66.7% | $285,000 | View |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 2 | 1.3% | 100% | $185,000 | View |
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A+5.0 ★Texas Ratio: 2.82% |
Conventional | 2 | 1.3% | 100% | $605,000 | View |
Champions Funding, LLC
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Conventional, Jumbo | 2 | 1.3% | 100% | $790,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.6% | 100% | $2,365,000 | View |
EMM Loans LLC
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Conventional, Jumbo | 1 | 0.6% | 100% | $1,405,000 | |
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A+5.0 ★Texas Ratio: 0.37% |
Conventional, Jumbo | 1 | 0.6% | 100% | $1,265,000 | View |
Newrez LLC
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Conventional, Jumbo | 1 | 0.6% | 100% | $1,425,000 | |
All Credit Considered Mortgage, Inc.
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Conventional | 1 | 0.6% | 100% | $485,000 | |
Equity Prime Mortgage LLC
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USDA | 1 | 0.6% | 100% | $85,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 0.6% | 100% | $95,000 | |
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A+5.0 ★Texas Ratio: 0.03% |
Conventional | 1 | 0.6% | 100% | $215,000 | View |
Amerant Mortgage LLC
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Conventional | 1 | 0.6% | 100% | $645,000 | |
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A5.0 ★Texas Ratio: 12.30% |
Conventional | 1 | 0.6% | 100% | $115,000 | |
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A+5.0 ★Texas Ratio: 5.29% |
Conventional | 1 | 0.6% | 100% | $415,000 | View |
Pennymac Loan Services LLC
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Conventional | 1 | 0.6% | 50% | $545,000 | |
loanDepot.com LLC
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Conventional | 1 | 0.6% | 100% | $255,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.6% | 100% | $195,000 | |
Homestead Funding Corp.
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Conventional | 1 | 0.6% | 100% | $805,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.6% | 100% | $545,000 | View |
NJ Lenders Corp
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FHA | 1 | 0.6% | 100% | $145,000 | |
Discover Bank
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Conventional | 1 | 0.6% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 0.10% |
Conventional | 1 | 0.6% | 100% | $375,000 | View |
Calcon Mutual Mortgage LLC
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Conventional | 1 | 0.6% | 100% | $315,000 | |
Capital Center LLC
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Conventional | 1 | 0.6% | 100% | $485,000 | |
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A4.7 ★Texas Ratio: 0.83% |
Conventional | 1 | 0.6% | 100% | $245,000 | View |
Embrace Home Loans, Inc.
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Conventional | 1 | 0.6% | 100% | $215,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.6% | 100% | $45,000 | |
GuardHill Financial LLC
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Conventional | 1 | 0.6% | 100% | $755,000 | |
Mortgage Research Center
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VA | 1 | 0.6% | 25% | $175,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.6% | 100% | $615,000 | View |
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A-5.0 ★Texas Ratio: 14.97% |
Conventional | 1 | 0.6% | 100% | $355,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.6% | 100% | $625,000 | View |
Reliance First Capital, LLC
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Conventional | 1 | 0.6% | 100% | $165,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.6% | 100% | $265,000 | |
Signature Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
New American Funding, LLC.
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 8.14% |
HELOC | 0 +1 HELOCs |
0% | 100% |
Sugar Mountain Mortgage Rate Trends
Daily average mortgage rates for North Carolina compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Sugar Mountain, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Sugar Mountain? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Sugar Mountain in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Sugar Mountain, NC
Use these to narrow the list above. Each category shows how many Sugar Mountain, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Sugar Mountain, NC
Independent mortgage companies closed 40.9 percent of home loans in Sugar Mountain, North Carolina in 2025, banks 50.6 percent and credit unions 8.4 percent. American Security Mortgage Cor was the largest mortgage company, Bank of Tennessee the largest bank and State Employees' Credit Union the largest credit union. Among lenders headquartered in North Carolina, State Employees' Credit Union led with 11 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
An attorney must handle the closing in North Carolina. State excise (transfer) tax of $1 per $500 of price, customarily paid by the seller, plus an additional 1 percent land transfer tax in seven northeastern counties (Camden, Chowan, Currituck, Dare, Pasquotank, Perquimans, Washington); no mortgage recording tax.
More North Carolina Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Sugar Mountain, NC
By home loans closed in 2025, Bank of Tennessee was the largest mortgage lender in Sugar Mountain, North Carolina with 12 loans, about 7.8 percent of the market. The largest lender headquartered in North Carolina was State Employees' Credit Union with 11 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
4 lenders closed FHA loans in Sugar Mountain, North Carolina in 2025, led by United Community Bank with 2. 4 lenders closed VA loans, led by Movement Mortgage, LLC, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 32 banks and 5 credit unions closed home loans in Sugar Mountain, North Carolina in 2025, alongside 32 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Sugar Mountain, North Carolina during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Sugar Mountain, North Carolina for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Sugar Mountain. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
